| @LoanUpdateAvailableDisbursementAmount |
| Feature: LoanUpdateAvailableDisbursementAmount |
| |
| @TestRailId:C3869 |
| Scenario: Verify update available disbursement amount for progressive loan - UC1 |
| When Admin sets the business date to "01 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE_PMT_ALLOC_1 | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| And Update loan available disbursement amount is forbidden with amount "1001" due to exceed applied amount |
| Then Update loan available disbursement amount is forbidden with amount "-100" due to min allowed amount |
| Then Update loan available disbursement amount by external-id with new amount "600" value |
| When Admin successfully disburse the loan on "01 January 2025" with "600" EUR transaction amount |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3919 |
| Scenario: Verify update available disbursement amount after undo disbursement for single disb progressive loan - UC3 |
| When Admin sets the business date to "1 January 2025" |
| And Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| And Admin successfully disburse the loan on "1 January 2025" with "100" EUR transaction amount |
| Then Update loan available disbursement amount by external-id with new amount "600" value |
| When Admin successfully undo disbursal |
| Then Admin fails to disburse the loan on "1 January 2025" with "750" EUR transaction amount due to exceed approved amount |
| When Admin successfully disburse the loan on "01 January 2025" with "700" EUR transaction amount |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3920 |
| Scenario: Verify update available disbursement amount with approved over applied amount for progressive multidisbursal loan with percentage overAppliedCalculationType - UC4 |
| When Admin sets the business date to "1 January 2025" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 1500 |
| |
| And Admin successfully disburse the loan on "1 January 2025" with "900" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 600 |
| |
| Then Update loan available disbursement amount is forbidden with amount "601" due to exceed applied amount |
| Then Update loan available disbursement amount with new amount "600" value |
| And Admin successfully disburse the loan on "1 January 2025" with "600" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3921 |
| Scenario: Verify update available disbursement amount with approved over applied amount and capitalized income for progressive loan with percentage overAppliedCalculationType - UC8_1 |
| When Admin sets the business date to "1 January 2025" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_APPROVED_OVER_APPLIED_PERCENTAGE_CAPITALIZED_INCOME | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 1500 |
| |
| And Admin successfully disburse the loan on "1 January 2025" with "900" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 600 |
| |
| Then Update loan available disbursement amount is forbidden with amount "700" due to exceed applied amount |
| Then Update loan available disbursement amount with new amount "500" value |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 600 |
| |
| And Capitalized income with payment type "AUTOPAY" on "1 January 2025" is forbidden with amount "601" while exceed approved amount |
| And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2025" with "600" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3922 |
| Scenario: Verify update available disbursement amount with capitalized income for progressive loan - UC8_2 |
| When Admin sets the business date to "1 January 2025" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CAPITALIZED_INCOME | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| And Admin successfully disburse the loan on "1 January 2025" with "600" EUR transaction amount |
| Then Update loan available disbursement amount is forbidden with amount "500" due to exceed applied amount |
| And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2025" with "200" EUR transaction amount |
| Then Update loan available disbursement amount with new amount "150" value |
| And Capitalized income with payment type "AUTOPAY" on "1 January 2025" is forbidden with amount "151" while exceed approved amount |
| And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2025" with "150" EUR transaction amount |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3923 |
| Scenario: Verify update available disbursement amount with capitalized income for progressive multidisbursal loan - UC8_3 |
| When Admin sets the business date to "1 January 2025" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_CAPITALIZED_INCOME_ADJ_CUSTOM_ALLOC | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "900" amount and expected disbursement date on "1 January 2025" |
| And Admin successfully disburse the loan on "1 January 2025" with "600" EUR transaction amount |
| Then Update loan available disbursement amount is forbidden with amount "500" due to exceed applied amount |
| And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2025" with "200" EUR transaction amount |
| Then Update loan available disbursement amount by external-id with new amount "200" value |
| Then Admin fails to disburse the loan on "1 January 2025" with "201" EUR transaction amount due to exceed approved amount |
| And Admin successfully disburse the loan on "1 January 2025" with "200" EUR transaction amount |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3924 |
| Scenario: Verify update available disbursement amount before disbursement for single disb cumulative loan - UC5_1 |
| When Admin sets the business date to "1 January 2025" |
| And Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP1_INTEREST_FLAT | 1 January 2025 | 1000 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER | |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then Update loan available disbursement amount with new amount "900" value |
| Then Admin fails to disburse the loan on "1 January 2025" with "901" EUR transaction amount due to exceed approved amount |
| And Admin successfully disburse the loan on "1 January 2025" with "900" EUR transaction amount |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3925 |
| Scenario: Verify update available disbursement amount before disbursement for single disb progressive loan - UC5_2 |
| When Admin sets the business date to "1 January 2025" |
| And Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then Update loan available disbursement amount by external-id with new amount "900" value |
| Then Admin fails to disburse the loan on "1 January 2025" with "901" EUR transaction amount due to exceed approved amount |
| And Admin successfully disburse the loan on "1 January 2025" with "900" EUR transaction amount |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3926 |
| Scenario: Verify available disbursement amount change for progressive multidisbursal loan that doesn't expect tranches - UC6 |
| When Admin sets the business date to "01 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| When Admin successfully disburse the loan on "01 January 2025" with "200" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2025 | | 167.15 | 32.85 | 1.17 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 2 | 28 | 01 March 2025 | | 134.11 | 33.04 | 0.98 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 3 | 31 | 01 April 2025 | | 100.87 | 33.24 | 0.78 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 4 | 30 | 01 May 2025 | | 67.44 | 33.43 | 0.59 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 5 | 31 | 01 June 2025 | | 33.81 | 33.63 | 0.39 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 6 | 30 | 01 July 2025 | | 0.0 | 33.81 | 0.2 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 4.11 | 0.0 | 0.0 | 204.11 | 0.0 | 0.0 | 0.0 | 204.11 | |
| Then Update loan available disbursement amount with new amount "400" value |
| Then Admin fails to disburse the loan on "1 January 2025" with "420" EUR transaction amount due to exceed approved amount |
| When Admin successfully disburse the loan on "01 January 2025" with "399" EUR transaction amount |
| Then Update loan available disbursement amount is forbidden with amount "500" due to exceed applied amount |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3927 |
| Scenario: Verify available disbursement amount change is forbidden with lower value for progressive multidisbursal loan that expects tranches - UC7_1 |
| When Admin sets the business date to "01 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with three expected disbursements details and following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal | 3rd_tranche_disb_expected_date | 3rd_tranche_disb_principal | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 300.0 | 02 January 2025 | 200.0 | 03 January 2025 | 500.0 | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | | 300.0 | | |
| | 02 January 2025 | | 200.0 | | |
| | 03 January 2025 | | 500.0 | | |
| # --- disbursement - 1 January, 2025 --- |
| When Admin successfully disburse the loan on "01 January 2025" with "300" EUR transaction amount |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false | |
| When Admin sets the business date to "02 January 2025" |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Update loan available disbursement amount is forbidden with amount "100" due to exceed applied amount |
| When Admin sets the business date to "03 January 2025" |
| Then Update loan available disbursement amount is forbidden with amount "100" due to exceed applied amount |
| When Admin sets the business date to "04 January 2025" |
| Then Update loan available disbursement amount is forbidden with amount "100" due to exceed applied amount |
| |
| When Admin successfully disburse the loan on "02 January 2025" with "200" EUR transaction amount |
| When Admin successfully disburse the loan on "03 January 2025" with "500" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | 01 January 2025 | 300.0 | | |
| | 02 January 2025 | 02 January 2025 | 200.0 | | |
| | 03 January 2025 | 03 January 2025 | 500.0 | | |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false | |
| | 02 January 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 03 January 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false | |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3928 |
| Scenario: Verify available disbursement amount change with greater value above approved amount for progressive multidisbursal loan that expects tranches - UC7_2 |
| When Admin sets the business date to "01 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with three expected disbursements details and following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal | 3rd_tranche_disb_expected_date | 3rd_tranche_disb_principal | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1200 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 300.0 | 02 January 2025 | 200.0 | 03 January 2025 | 500.0 | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | | 300.0 | | |
| | 02 January 2025 | | 200.0 | | |
| | 03 January 2025 | | 500.0 | | |
| # --- disbursement - 1 January, 2025 --- |
| When Admin successfully disburse the loan on "01 January 2025" with "300" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| When Admin sets the business date to "02 January 2025" |
| Then Update loan available disbursement amount with new amount "200" value |
| When Admin successfully disburse the loan on "02 January 2025" with "200" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 200 |
| |
| When Admin sets the business date to "03 January 2025" |
| Then Admin fails to disburse the loan on "03 January 2025" with "800" EUR transaction amount due to exceed approved amount |
| When Admin successfully disburse the loan on "03 January 2025" with "700" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | 01 January 2025 | 300.0 | | |
| | 02 January 2025 | 02 January 2025 | 200.0 | | |
| | 03 January 2025 | 03 January 2025 | 700.0 | | |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false | |
| | 02 January 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 03 January 2025 | Disbursement | 700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1200.0 | false | false | |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3929 |
| Scenario: Verify available disbursement amount change with greater value under approved amount for progressive multidisbursal loan that expects tranches - UC7_3 |
| When Admin sets the business date to "01 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with three expected disbursements details and following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal | 3rd_tranche_disb_expected_date | 3rd_tranche_disb_principal | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_EXPECT_TRANCHE | 01 January 2025 | 1200 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 300.0 | 02 January 2025 | 200.0 | 03 January 2025 | 300.0 | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | | 300.0 | | |
| | 02 January 2025 | | 200.0 | | |
| | 03 January 2025 | | 300.0 | | |
| # --- disbursement - 1 January, 2025 --- |
| When Admin successfully disburse the loan on "01 January 2025" with "300" EUR transaction amount |
| |
| When Admin sets the business date to "02 January 2025" |
| Then Update loan available disbursement amount by external-id with new amount "150" value |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 150 |
| When Admin successfully disburse the loan on "02 January 2025" with "300" EUR transaction amount |
| When Admin sets the business date to "03 January 2025" |
| Then Admin fails to disburse the loan on "03 January 2025" with "400" EUR transaction amount due to exceed approved amount |
| When Admin successfully disburse the loan on "03 January 2025" with "350" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | 01 January 2025 | 300.0 | | |
| | 02 January 2025 | 02 January 2025 | 300.0 | | |
| | 03 January 2025 | 03 January 2025 | 350.0 | | |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false | |
| | 02 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 600.0 | false | false | |
| | 03 January 2025 | Disbursement | 350.0 | 0.0 | 0.0 | 0.0 | 0.0 | 950.0 | false | false | |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3995 |
| Scenario: Verify update available disbursement amount to zero is forbidden for not approved loan |
| When Admin sets the business date to "01 January 2025" |
| And Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| Then Updating the loan's available disbursement amount to "0" is forbidden because cannot be zero as nothing was disbursed |
| |
| Then Admin can successfully undone the loan approval |
| Then Loan status will be "SUBMITTED_AND_PENDING_APPROVAL" |
| |
| @TestRailId:C3996 |
| Scenario: Verify update available disbursement amount to zero is forbidden for approved loan |
| When Admin sets the business date to "01 January 2025" |
| And Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| Then Updating the loan's available disbursement amount to "0" is forbidden because cannot be zero as nothing was disbursed |
| |
| Then Admin can successfully undone the loan approval |
| Then Loan status will be "SUBMITTED_AND_PENDING_APPROVAL" |
| |
| @TestRailId:C3997 |
| Scenario: Verify update available disbursement amount to zero is allowed for active loan after partial disbursement for single disb loan |
| When Admin sets the business date to "01 January 2025" |
| And Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| And Admin successfully disburse the loan on "01 January 2025" with "500" EUR transaction amount |
| Then Update loan available disbursement amount with new amount "0" value |
| |
| When Admin successfully undo disbursal |
| Then Admin fails to disburse the loan on "1 January 2025" with "501" EUR transaction amount due to exceed approved amount |
| |
| Then Admin can successfully undone the loan approval |
| Then Loan status will be "SUBMITTED_AND_PENDING_APPROVAL" |
| |
| @TestRailId:C3998 |
| Scenario: Verify update available disbursement amount to zero is allowed for active loan after partial disbursement for multidisb loan that doesn't expect tranches |
| When Admin sets the business date to "01 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| When Admin successfully disburse the loan on "01 January 2025" with "200" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2025 | | 200.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2025 | | 167.15 | 32.85 | 1.17 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 2 | 28 | 01 March 2025 | | 134.11 | 33.04 | 0.98 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 3 | 31 | 01 April 2025 | | 100.87 | 33.24 | 0.78 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 4 | 30 | 01 May 2025 | | 67.44 | 33.43 | 0.59 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 5 | 31 | 01 June 2025 | | 33.81 | 33.63 | 0.39 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 6 | 30 | 01 July 2025 | | 0.0 | 33.81 | 0.2 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 200.0 | 4.11 | 0.0 | 0.0 | 204.11 | 0.0 | 0.0 | 0.0 | 204.11 | |
| |
| Then Update loan available disbursement amount with new amount "0" value |
| Then Admin fails to disburse the loan on "1 January 2025" with "1" EUR transaction amount due to exceed approved amount |
| |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C3999 |
| Scenario: Verify availableDisbursementAmountWithOverApplied field calculation |
| When Admin sets the business date to "1 January 2025" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_RECALC_EMI_360_30_MULTIDISB_APPROVED_OVER_APPLIED_CAPITALIZED_INCOME | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 1500 |
| And Admin successfully approves the loan on "1 January 2025" with "1000" amount and expected disbursement date on "1 January 2025" |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 1500 |
| And Admin successfully disburse the loan on "1 January 2025" with "900" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 600 |
| And Admin successfully disburse the loan on "1 January 2025" with "300" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 300 |
| And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2025" with "100" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 200 |
| And Admin adds capitalized income with "AUTOPAY" payment type to the loan on "1 January 2025" with "150" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 50 |
| When Loan Pay-off is made on "01 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4003 |
| Scenario: Verify availableDisbursementAmountWithOverApplied field calculation for progressive multidisbursal loan that expects tranches |
| When Admin sets the business date to "01 January 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with three expected disbursements details and following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | 1st_tranche_disb_expected_date | 1st_tranche_disb_principal | 2nd_tranche_disb_expected_date | 2nd_tranche_disb_principal | 3rd_tranche_disb_expected_date | 3rd_tranche_disb_principal | |
| | LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_EXPECT_TRANCHE_APPROVED_OVER_APPLIED | 01 January 2025 | 1000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | 01 January 2025 | 300.0 | 02 January 2025 | 200.0 | 03 January 2025 | 500.0 | |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | | 300.0 | | |
| | 02 January 2025 | | 200.0 | | |
| | 03 January 2025 | | 500.0 | | |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 500 |
| And Admin successfully approves the loan on "01 January 2025" with "1000" amount and expected disbursement date on "01 January 2025" |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | | 300.0 | | |
| | 02 January 2025 | | 200.0 | | |
| | 03 January 2025 | | 500.0 | | |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 500 |
| When Admin successfully disburse the loan on "01 January 2025" with "300" EUR transaction amount |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false | |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 500 |
| When Admin sets the business date to "02 January 2025" |
| When Admin successfully disburse the loan on "02 January 2025" with "200" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 500 |
| When Admin sets the business date to "03 January 2025" |
| When Admin successfully disburse the loan on "03 January 2025" with "1000" EUR transaction amount |
| Then Loan has availableDisbursementAmountWithOverApplied field with value: 0 |
| Then Loan Tranche Details tab has the following data: |
| | Expected Disbursement On | Disbursed On | Principal | Net Disbursal Amount | |
| | 01 January 2025 | 01 January 2025 | 300.0 | | |
| | 02 January 2025 | 02 January 2025 | 200.0 | | |
| | 03 January 2025 | 03 January 2025 | 1000.0 | | |
| And Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2025 | Disbursement | 300.0 | 0.0 | 0.0 | 0.0 | 0.0 | 300.0 | false | false | |
| | 02 January 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false | |
| | 03 January 2025 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1500.0 | false | false | |
| |
| When Loan Pay-off is made on "03 January 2025" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
